AA due to aging metrics?

[FreedomHammer]

In 2025, I will lose a lot of credit history.

I have student loans from 1999 propping up my score currently. 

I only have revolving history starting from 2020 when I re established my credit and the derogs fell off from ruined credit. So, I only have three years approximately of revolving credit. 

My score now is 802 EX. 

I am concerned that once my total credit age drops from 23y10m to ~10y, in 2025, AMEX and others would initiate AA due to a huge score drop. Sounds crazy, but I'm expecting a big score drop. 

My current AAoA is 11y8m. 

In 2025, my AAoA will drop to around seven years, regaining the maximum award of 90 months in June 2026. 

I don't intend to open any new accounts. I practice AZEO, 1% consistently. 

Assuming I don't open any new accounts to preserve my AAoA, always PIF, would I expect to see AA or any major penalties with my cards?  

[OmarGB9]

I don't think so. Will you lose some points due to the loss of some history? Probably. Will it be as significant as you're thinking it is? I doubt it. Age of credit is only worth 15% of your score. You'll definitely drop down from the 800s, but I'd venture to guess you'd still be in the 760+ range. 

Also, where are you getting that your accounts will drop in 2025?

[FreedomHammer]

My oldest student loans on my hard copy of my Experian report say on record until December 2025. My oldest student loans are from 1999. 

[Kforce]

Something else other than age is keeping your scores at ~800

One can have 830+ scores with ~10 years AAoA's and no loans.

You might see a little drop from age, but not a lot.

I would think you are safe from AA

[FreedomHammer]

 I calculated my report, and the only accounts that will be listed on my credit report in 2030 will be the five current cards I have open currently. 

In 2030, my AAoA will be 10y, and my age of credit file will be the same. My file will thin out considerably, as I won't have any student loans at all. 

[FreedomHammer]

I think what's holding back my score even further is my average age of revolving accounts AAoRA, which is low. 

[SouthJamaica]

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@FreedomHammer wrote:

In 2025, I will lose a lot of credit history.

I have student loans from 1999 propping up my score currently. 

I only have revolving history starting from 2020 when I re established my credit and the derogs fell off from ruined credit. So, I only have three years approximately of revolving credit. 

My score now is 802 EX. 

I am concerned that once my total credit age drops from 23y10m to ~10y, in 2025, AMEX and others would initiate AA due to a huge score drop. Sounds crazy, but I'm expecting a big score drop. 

My current AAoA is 11y8m. 

In 2025, my AAoA will drop to around seven years, regaining the maximum award of 90 months in June 2026. 

I don't intend to open any new accounts. I practice AZEO, 1% consistently. 

Assuming I don't open any new accounts to preserve my AAoA, always PIF, would I expect to see AA or any major penalties with my cards?  

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I don't think so. 

[Kforce]

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@SouthJamaica wrote:

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I don't think so. 

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^^^^ This

My youngest daughter has AAoA  4.5 years, no loans & 830+ Ficos

It's inquiries, new accounts, utilization, etc

By 2030 all your current cards will be 7+ years older.

You should not be freaking out about a few old accounts falling off

That is why they have the 10 year window, it buffers any major damage

[FreedomHammer]

I realize every profile is different, but I was under the assumption that starting from scratch, it took a minimum of seven or so years to reach 760, and 800+ was reserved for profiles 20 years or older. 

[xenon3030]

I only could reach 800+, after aging my oldest account to 6 years. Before that, my Fico8 was in the best case clogged to ~770-780. After hitting the 6 years mark, it jumped to ~820-830.

Each year, I was applying for ~2-3 CC and so, I had ~2-3 HP per year. It might be feasible to get 800+, by gardening for >1year, but I am not sure. Can you provide more details on the way to obtain 800+, with <6 years of credit history?